Financial Highlights
 2018 FQ32017 FQ3 2018 FQ2 
Period Ended9/30/20189/30/2017Y-Y Ch (%)6/30/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets66,731,00065,564,0001.7866,457,0001.65
Total Net Loans45,391,00043,686,0003.9044,824,0005.06
Total Deposits53,785,00052,099,0003.2453,580,0001.53
Equity Attributable to Parent Company7,553,0007,761,000 (2.68) 7,621,000 (3.57)
Total Equity7,553,0007,761,000 (2.68) 7,621,000 (3.57)
Profitability (%)   
Net Income ($000) 223,000160,00039.38197,00052.79
Net Income Attributable to Parent ($000) 223,000160,00039.38197,00052.79
ROAA1.340.9836  bp 1.1816  bp
Core ROAA1.350.9936  bp 1.1817  bp
ROAE11.758.21354  bp 10.32143  bp
ROATCE14.319.83448  bp 12.35196  bp
Core ROAE11.848.31353  bp 10.28156  bp
Net Interest Margin3.663.4818  bp 3.5511  bp
Reported: Net Interest Margin3.633.4518  bp 3.567  bp
Efficiency Ratio59.1261.12 (200)  bp 62.03 (291)  bp
Noninterest Inc / Operating Rev19.5220.43 (91)  bp 20.00 (48)  bp
Balance Sheet Ratios (%)   
Loans / Deposits85.1784.7542  bp 84.4275  bp
Securities / Assets24.0725.23 (116)  bp 24.45 (38)  bp
Total Equity / Total Assets11.3211.84 (52)  bp 11.47 (15)  bp
Tangible Equity / Tangible Assets9.9510.45 (50)  bp 10.09 (14)  bp
Tang Common Equity / Tang Assets9.099.57 (48)  bp 9.23 (14)  bp
Asset Quality (%)   
NPAs / Assets0.610.92 (31)  bp 0.68 (7)  bp
NPA Excl Restructured / Assets0.440.71 (27)  bp 0.52 (8)  bp
NPAs & 90+ PD / Assets0.630.96 (33)  bp 0.69 (6)  bp
NPAs / Loans & REO0.891.36 (47)  bp 0.99 (10)  bp
Nonaccrual & 90+ & OREO / Assets0.460.76 (30)  bp 0.53 (7)  bp
NPAs & 90+ PD / Loans & REO0.911.43 (52)  bp 1.01 (10)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR6.489.39 (291)  bp 6.98 (50)  bp
NCOs / Avg Loans(0.01)0.07 (8)  bp (0.11)10  bp
Loan Loss Reserves / Gross Loans1.051.22 (17)  bp 1.08 (3)  bp
Reserves / NPAs118.2290.022,820  bp 108.74948  bp
Loan Loss Provision / NCONM62.50NMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,331,2656,238,1761.496,359,944 (1.80)
Tier 1 Capital ($000) 6,897,1166,804,0271.376,925,795 (1.66)
Tier 2 Capital ($000) 784,865846,458 (7.28) 794,550 (4.88)
Total Capital ($000) 7,681,9817,650,4850.417,720,345 (1.99)
Total Risk-weighted Assets ($000) 52,492,88951,042,8712.8452,013,0833.69
Tier 1 Common Capital (CET1) Ratio (%) 12.0612.22 (16)  bp 12.23 (17)  bp
Tier 1 Ratio (%) 13.1413.33 (19)  bp 13.32 (18)  bp
Total Capital Ratio (%) 14.6314.99 (36)  bp 14.84 (21)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.5110.58 (7)  bp 10.53 (2)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 192,169,000199,712,000 (3.78) 195,392,000 (6.60)
Avg Diluted Shares (actual) 205,765,000209,106,000 (1.60) 209,247,000 (6.66)
Basic Book Value per Share36.3636.030.9236.112.77
Book Value per Share, As Reported36.3636.030.9236.112.77
Basic Tangible Book Value per Share31.0830.930.4830.912.20
Tangible Book Value per Share, As Reported31.0830.930.4830.912.20
Common Dividends Declared per Share0.300.121500.24100
EPS after Extra1.040.7244.440.8967.42
EPS after Extra Growth (%) 44.4026.301,812  bp 21.902,252  bp
Core EPS1.050.7343.840.8971.91
Core EPS Growth (%) 43.7032.501,118  bp 19.302,431  bp
Diluted EPS before Amortization1.040.7244.440.8967.42
Pre-Provision Earnings per Share1.040.7342.470.9252.17
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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